Logging an expense by voice in dividi means holding a button, saying the expense to Divi, and reviewing the draft she builds before anything is saved. Voice chat is part of dividi Premium and understands U.S. English and Brazilian Portuguese. Nothing lands in your account without your confirmation.
This is the full walkthrough: where the chat starts, how to phrase the expense so Divi gets it on the first try, what to check before saving, and how the monthly chat allowance works. If you’re looking for the story of the mascot herself — who she is and why she exists — that lives in the profile of who Divi is in dividi.
What you need before the first chat
Three things, all quick to check:
- An active dividi Premium plan. On the free plan, the shortcut shows a Premium badge and opens an invitation to the subscription instead of the chat.
- Microphone access. The first time, the app asks for permission: “Allow microphone and speech recognition so you can talk to Divi”. Without it, you can still use the typed path shown below.
- Permission to add bills. If you joined the Joint Account as an invited member, the add button only appears if the account owner gave you that permission.
Step by step: from the “+” button to a saved expense
- Tap the “+” button on the main screen. On the Add panel, choose Talk to Divi — the card that says “Say the expense and Divi drafts it for review”.
- Press and hold “Hold to talk” and say the expense. The screen asks “What did you spend?” and your words appear as live text while you speak.
- Release when you’re done. Let go too early? The app tells you — “Cancelled. Release the button only after you finish speaking” — and nothing is sent. To bail out mid-sentence, drag your finger up to the cancel target.
- Wait a few seconds while the screen shows “Turning that into an expense”. This is where Divi shapes your sentence into a draft.
- Review the draft on the “Can I save it like this?” screen. It shows the amount, description, category, the destination account and, on the Joint Account, who pays. If you mentioned a card, installments, or a goal, those fields arrive filled in too.
- Check the account first. If Divi placed the expense on the joint account — because that’s what you said — a notice makes it clear, and the Personal/Joint switch at the top lets you move it before saving.
- Tap “Confirm and save” if everything looks right, or “Adjust before saving” to open the form pre-filled and tweak any field. Saving directly shows the confirmation right away: “Expense saved with Divi”.
Rather not talk? Tap the keyboard icon on the same screen and use “Type your expense” — the typed sentence follows the same path and becomes the same draft.
How to phrase it so Divi gets it right
The app sums up the rule on screen: “Say it the way you would remember it”. There’s no command to memorize — just a sentence with the details you’d use to tell your partner about the expense. A good phrase carries the amount, what it was, which account it belongs to and, on the joint account, who pays:
| What you want to log | The shape of a phrase that works |
|---|---|
| A simple personal expense | “Lunch at the bakery, 35” |
| A household expense, with the payer | “Groceries, 280, on the joint account, I’ll pay” |
| A card purchase | “Netflix on my Chase card, 15.49” |
| An installment purchase | “New TV, 1,500, in 6 installments on my card” |
| Money toward a goal | “500 toward our travel goal” |
| An expense one of you settles later | “Internet, 120, on the joint account, Alex pays and transfers to me” |
Two details matter most on the Joint Account, and the app says so before your first chat: say who pays, and if the cost should be split, say “split” or “shared”. The more complete the sentence, the fewer fields you’ll adjust afterward.
What to do when Divi doesn’t get it
The chat has clear limits, and the app handles each one calmly:
- You asked a question instead of stating an expense? The answer is direct: “This chat with Divi is for adding expenses, not general questions”. Rephrase it as an expense and try again.
- The sentence didn’t sound like an expense? The notice “Divi did not identify an expense in what you said” appears on the same screen, with the chance to redo it.
- The extraction failed? “Divi didn’t quite get that” comes with two paths: Try again, or open the form and enter it by hand. No expense is created without you seeing it.
- The draft came back unsure? When confidence is low, a yellow notice — “Some fields might be off. Review before saving” — appears, and the direct-save shortcut steps aside so you review in the form.
None of it turns into lost work: the correction form opens with everything Divi already understood, and you only fill in what’s missing.
How the monthly chat allowance works
Each Premium subscriber gets their own allowance of chats with Divi — currently 50 per month, renewing when the new month starts. Worth knowing where to look and what counts:
- The counter lives in the app’s Settings, in the Divi chat area: how many chats you’ve used and how many are left this month.
- A sent chat counts — including when the answer is that it didn’t sound like an expense. Canceling before you release the button doesn’t count.
- Running out comes with a clear notice: “Monthly limit reached”, with the message “You have used all your voice chats with Divi this month. It resets next month”.
- The allowance is per person, not per couple. If both of you subscribe to Premium, each of you talks to Divi on your own count.
And manual entry is always there — the voice chat is a shortcut, not a dependency.
Frequently asked questions about voice expenses in dividi
Does Divi work on the free plan?
No. The voice chat is a dividi Premium benefit. On the free plan, the Talk to Divi shortcut shows a Premium badge and opens an invitation to the subscription — the plans page shows what comes with each version.
Do I need to phrase things a specific way for Divi?
No. Say it the way you’d tell your partner: the amount, what it was and, for household costs, who pays. “Groceries, 280, on the joint account, I’ll pay” does it in one sentence. Cards, installments, and goals come along when you mention them.
Does a chat count against the allowance when Divi doesn’t understand?
Yes. Every sent chat counts toward the monthly allowance, even when the answer is that it didn’t sound like an expense. What doesn’t count is a chat you cancel before releasing the button — nothing is sent in that case.
Can the expense end up in the wrong account?
Divi suggests the account based on what you said, and the review screen calls it out whenever the suggestion changes the destination. The Personal/Joint switch sits at the top of the review — check it before confirming and move it with one tap if needed.
Which languages does the voice chat understand?
U.S. English and Brazilian Portuguese. If your phone is set to another language, the app explains the limit instead of guessing.
Next step: have your first chat today
Pick a real expense from today — lunch, groceries, the ride home — and log it through the chat: hold, talk, review, save. Once the expense is in, it follows the usual dividi flow: the Joint Account splits it by the percentages you both agreed on, the statement shows who logged what, and the Smart Budget updates the month’s status — On track, Watch out, or Over budget — for both of you. The guide to the Smart Budget and its three statuses shows how to read that signal.
Download dividi to try the Divi chat on Premium. And if you’re curious about the direct way this blog talks about shared money, the short read on why it exists is live.
